Nirupam Ghosh Email & Phone Number

Howrah, West Bengal, India

 Managed branch operations, including scheduling staff and coordinating customer visits. Performed daily branch audits to ensure accuracy of customer accounts and cash balances. Focusing on operational risk areas particularly compliance with PML Act, day to day branch operation, operations of account, FTNR, Audit, Risk, Compliance, Remittances including NEFT/RTGS, Clearing of Cheques, Protective Arrangement etc. Ensuring meticulous compliance of guidelines issued from time to time by Government/RBI/IT Authority etc. Achievement of Sales Budget-CASA, FD and Third Party Products. Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies. Created strategies to develop and expand existing customer sales, resulting in increase in annual sales. Engaged employees in business processes with positive motivational techniques. Mitigated business risks by working closely with staff members and assessing performance. Attended seminars, conferences and organizational activities to maintain management expertise. Maintained financial controls, planned business operations and control expenses while identifying and pursuing opportunities to grow business operations and boost profits. Scheduled employees for shifts, taking into account customer traffic and employee strengths.

 Monitored sales performance and identified areas of improvement, resulting in increase in sales efficiency Collaborated with marketing team to develop promotional campaigns that increased brand awareness and drove sales Negotiated and closed large deals with key customers, resulting in an increase in market share. Developed and implemented a customer loyalty program that increased customer retention. Developed and implemented strategies to increase cross-selling and up selling, resulting in a increase in sales revenue Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues. Achieved sales goals and service targets by cultivating and securing new customer relationships. Demonstrated products to show potential customers benefits and advantages and encourage purchases. Boosted marketing reviewed pricing strategies and expanded distribution channels to increase sales revenue. Directed sales support staff in administrative tasks to help sales reps close deals. Prepared sales presentations for clients showing success and credibility of products. Exceeded sales quotas and increased profitability through effective sales strategy and business planning. Communicated product quality and market comparisons by creating sales presentations. Collaborated with upper management to implement continuous improvements and exceed team goals. Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth. Visited customer sites to deliver sales presentations and demonstrate products or services. Built relationships with customers and community to establish long-term business growth. Enhanced profitability by developing pipelines utilizing marketing and sales strategies. Boosted marketing reviewed pricing strategies and expanded distribution channels to increase sales revenue.

Kolkata Area, India

 Recruitment of Insurance Advisors: I personally guide all registered persons to qualify in IC-33 exam conducted by Insurance Regulatory & Development Authority (IRDA) for getting License of becoming Insurance Advisor. Development of Insurance Advisor: Partnering with Training Manager, product knowledge is being imparted to IAs. Besides, Strategies for marketing required products to different target groups are being discussed. My encouragement has started paying dividend. Some of my Team Members now desires to become club members. Marketing Strategy: Awareness Programmers: Participation in programmers organized by Kolkata Police, Manning of Stall at Book Fair etc, besides presentation of products to different organizations. Business Development: With a view to meeting corporate goal, target is assigned to individual insurance advisor based on their potential. My team (40 Insurance Advisor) during this short period has earned reputation of being go betters & target focused. Answered phone calls and e-mails regarding inquiries and arranged meetings for official business. Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills. Trained and guided team members to maintain high productivity and performance metrics. Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization. Tracked trends and suggested enhancements to both challenge and refine company's product offerings. Implemented business strategies, increasing revenue and effectively targeting new markets. Implemented innovative programs to increase employee loyalty and reduce turnover.

Kolkata Area, India

 Established and monitored performance metrics to ensure assigned areas met or exceeded operational goals. Developed and implemented staff training programs to ensure team members had the skills and knowledge needed to perform their roles Leveraged data analytics to identify areas of improvement and develop actionable plans to address those needs Developed and maintained budgets for assigned areas to ensure efficient use of resources and ensure financial goals were met. Conducted employee reviews to assess performance and identify areas for improvement Established and maintained strong relationships with key stakeholders in assigned areas, resulting in increased collaboration and productivity Transformed underperforming teams into productive, profitable teams. Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement. Growth and Business Development: Identification of potential areas for opening new Branches. Opened 20 branches in Kolkata Urban Area. Acquisition of new customers as well as retention of existing customers which had resulted achievement of disbursement target on monthly basis. Organized promotional events and interacted with community to increase sales volume. Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives. Managed revenue models, process flows, and operations support and customer engagement strategies.  Sales & Marketing: To identify new business opportunities and roll out potential new products like Loan for Purchasing Mobile Set. Periodic market study and analysis to improve market share. Prepared sales presentations for clients showing success and credibility of products. Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues. Communicated product quality and market comparisons by creating sales presentations.

Local Head Office (L.H.O), Samriddhi Bhavan, Kolkata

Master Of Business Administration - Mba, Agricultural Business And Management

Post Graduate Diploma In Bio Informatics

Anti-Money Laundering & Know Your Customer (Aml-Kyc),

Customer Service & Banking Codes And Standards

Digital Banking

Licentiate- Life Insurance

Ic 38 Certificate Exam Of Corporate Agent, Insurance

Series V A: Mutual Fund Distributors & Series V B: Mutual Fund Foundation Certification